National Westminster Bank Plc

Financial Ombudsman decision DRN-3298252 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Mon Mar 28deadline to accept (not the decision date)

The Ombudsman does not print a decision date. The date above is the deadline the consumer was given to accept or reject the decision, which is set about a month after it was issued. It is reliable to the year, not to the month.

What this decision was about

Irresponsible lending, Charges and fees

In the Ombudsman’s words

where a business continues to allow a consumer to use a credit facility which it should have realised was unsustainableIrresponsible lending

continuing to apply charges to his account when he was in financial difficultyCharges and fees

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-3298252.pdf on financial-ombudsman.org.uk.

The outcome shown is the Ombudsman’s own published classification, not our reading of the text. Nothing here is legal advice, and a decision concerns only the complaint it was made about.